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Where are you going?

International travel insurance can help keep you — and your finances — safe on your next global adventure.

How our comprehensive international travel insurance can benefit you

Wherever you choose to vacation abroad, you never know what travel obstacle could be around the corner. Our travel insurance for international trips can help shield your finances if something does go wrong and leaves you with unexpected costs.

If you like having options…

We have six plans and up to nine upgrades available for you to choose from.

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If you want access to emergency support support

We’re here to care for you, 24 hours a day, seven days a week.

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If you want medical expenses coverage coverage

Our emergency medical and dental benefit can help.  

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If you want award-winning service service

You can count on our friendly customer service team to support you.

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Here's what you get with our comprehensive international travel insurance plans

Before you buy: Don’t forget to read the Description of Coverage (DoC) of your chosen plan. It’s got all the limits, exclusions, and conditions you need to know about. You can access the DoC documents for all our plans when you get a quote online.

Ultimate

For travelers who want maximum protection.

Up to $50,000 trip cancellation
Up to $75,000 trip interruption
Up to $2,000 travel delay
Up to $250,000 emergency medical*
Up to $1,000,000 emergency evacuation and repatriation

Advantage

For travelers who want a step up from basic coverage.

Up to $10,000 trip cancellation
Up to $12,500 trip interruption
Up to $1,000 travel delay
Up to $50,000 emergency medical
Up to $250,000 emergency evacuation and repatriation

Essential

For travelers who want reliable coverage at a lower cost.

Up to $10,000 trip cancellation
Up to $10,000 trip interruption
Up to $600 travel delay
Up to $25,000 emergency medical
Up to $200,000 emergency evacuation and repatriation

Our plan benefits and coverage details	Ultimate	Advantage	Essential
Trip cancellation, interruption, delay, and inconvenience
Protects travel investments and recovers nonrefundable, prepaid costs if your trip is canceled for an eligible reason.	100% of trip cost ($50,000 maximum)	100% of trip cost ($10,000 maximum)	100% of trip cost ($10,000 maximum)
Protects unused, prepaid, and nonrefundable expenses and additional transportation to join the departed trip or return home if your trip is interrupted for an eligible reason.	150% of trip cost ($75,000 maximum)	$125% of trip cost ($12,500 maximum)	100% of trip cost ($10,000 maximum)
Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.	$2,000 ($250 per day maximum)	$1,000 ($250 per day maximum)	$600 ($200 per day maximum)
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.	$2,000 ($500 per item limit)	$1,000 ($500 per item limit)	$750 ($500 per item limit)
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.	$500	$200	$200
Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.	$750	$500	$150
Reimbursement for travel inconveniences such as a closed ski resort, golf course, or beach at your destination, or cruise disablement due to an eligible reason. Closed attractions: $200 maximum Closed beach: $200 maximum Cruise disablement: $200 maximum	$600	Not included	Not included
Emergency evacuation and repatriation
Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.	$1,000,000	$250,000	$200,000
Emergency medical expense
Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip. Residents of NH have up to $50,000 in emergency medical coverage with the Ultimate plan. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.	$250,000 *$50,000 for NH residents	$50,000	$25,000
Coverage for emergency dental treatment if you’re injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.	$500	$500	$500
If you meet the plan purchase requirements listed, exclusions for pre-existing conditions are waived. Exclusions do not apply to NH residents.	Included if plan is purchased within 21 days of first trip payment and full trip cost is insured	Not included	Not included
This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.	90 days Does not apply to NH residents	120 days Does not apply to NH residents	180 days Does not apply to NH residents
If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.	Included	Included	Not included (secondary coverage) Included for CT residents
Accidental death and dismemberment
Coverage if you have an eligible loss, such as your life or a limb, as a result of an eligible injury while on an insured trip. Exclusions may apply. See policy for details.	$25,000	$20,000	$10,000
Coverage if you’re exposed to weather or disappear due to an accident that results in an eligible loss.	$25,000	$20,000	$10,000
Other benefits
If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.	Included	Included	Included
We can provide coverage at no additional cost to one travel companion aged 17 years old or younger per each insured adult traveler. Each insured adult traveler on the Ultimate plan must be aged 18 years or older for the child to be eligible. The child’s individual trip cost must be equal to or lower than the insured adult’s individual trip cost for coverage to apply. If upgrades are selected and included in the policy, each traveler will be charged the applicable premium for the upgrade.	Yes	No	No
The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.	Up to 180 days	Up to 30 days	Up to 30 days
We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC). Please check the OFAC website and our travel alerts page for information on affected countries.	All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.	All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.	All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.	21 days	21 days	21 days
We provide coverage for certain sports and activities, including kayaking, horseback riding, and hiking. To include coverage for excluded activities, such as skiing or scuba diving more than 75 feet, consider adding our adventure activities upgrade.	Included, but limited to eligible activities (optional upgrade available for additional activities)	Included, but limited to eligible activities (optional upgrade available for additional activities)	Included, but limited to eligible activities (optional upgrade available for additional activities)
Optional upgrades
If you include this upgrade, you can be reimbursed up to 75% of your prepaid, nonrefundable trip costs (up to $7,500) if you need to cancel your trip. You must cancel at least two days prior to your scheduled departure date. To get cancel for any reason coverage, you must insure all your nonrefundable trip expenses in your plan, your trip cost can’t be more than $10,000, and you must purchase the upgrade 31 days or more before your departure date. You also must purchase the cancel for any reason upgrade with the Ultimate plan within 21 days of your initial payment for your trip. Subsequent arrangements must be insured within 14 days of booking those arrangements. Cancel for any fortuitous reason in NY.	Available (75% of insured trip cost up to $7,500)	Not available	Not available
If you include this upgrade in your policy, you can have coverage up to $50,000 ($100 deductible) for collision, vandalism, windstorm, theft, hail, fire, or flood damage to your rental car while on your trip. This upgrade is not available in all destinations, including Costa Rica, Ireland, Jamaica, and Mexico. Please contact our customer service team at 1-800-228-9792 to check if coverage is available for your trip.	Available ($50,000 with a $100 deductible)	Available ($50,000 with a $100 deductible)	Available ($50,000 with a $100 deductible)
If you include this upgrade in your policy, you can increase your emergency medical expense coverage limit by $250,000. Not available to NH residents.	Available (additional $250,000) Not available to NH residents	Not available	Not available
If you include this upgrade in your policy, you can have protection for the following activities that are excluded from coverage in our base plans: snow skiing, skydiving, parachuting, free falling, cliff diving, B.A.S.E. or base jumping, hang gliding, parasailing, travel on any air supported device other than a regularly scheduled airline or air charter company, mountain climbing, free climbing, scuba diving at a depth greater than 75 feet, and participating in underwater activities if the depth of the water is greater than 75 feet. This upgrade provides up to $10,000 coverage for an organized search & rescue by appropriate authorities, should you or a traveling companion become lost, disoriented, or missing during your trip. It also offers up to $100,000 coverage in case an event on your trip results in imminent physical danger to you and your traveling companions and you require additional accommodations, transportation, or extrication from your destination. This upgrade isn’t available to IL residents. Exclusions on activities listed above don’t apply to IL residents.	Available (waives exclusions on certain activities) Search and rescue: $10,000 Security evacuation: $100,000	Available (waives exclusions on certain activities) Search and rescue: $10,000 Security evacuation: $100,000	Available (waives exclusions on certain activities) Search and rescue: $10,000 Security evacuation: $100,000
If you include this upgrade in your policy, you can have coverage if you suffer from the permanent loss of life from an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip, up to the maximum eligible amount selected. This upgrade isn’t available to NH residents.	Available ($200,000, $500,000, or $1,000,000) Not available to NH residents	Available ($200,000, $500,000, or $1,000,000) Not available to NH residents	Available ($200,000, $500,000, or $1,000,000) Not available to NH residents
If you include this upgrade in your policy, you can have coverage if your trip is delayed for an eligible reason and you have extra pet boarding fees. Plus, if your pet traveling with you has a sickness or injury, you can have coverage for pet veterinarian expenses up to the maximum eligible amount. This upgrade isn’t available to NY and VA residents.	Available Pet care: $250 Pet veterinarian expense: $2,500	Available Pet care: $250 Pet veterinarian expense: $2,500	Available Pet care: $250 Pet veterinarian expense: $2,500
Reimbursement for expenses such as the cost of repairs if you cause accidental damage to your accommodations.	Available ($2,000)	Available ($2,000)	Available ($2,000)
Protect travel investments and recover nonrefundable, prepaid costs up to $10,000 per person. This applies if you need to cancel your trip due to your previously approved time off being revoked or your business being rendered unsuitable for business due to an eligible event and you’re required to work during your insured trip. To get cancel for business reasons coverage, you must purchase the upgrade 31 days or more before your departure date. You must also purchase the cancel for business reasons upgrade with the Ultimate plan within 21 days of your initial payment for your trip.	Available (100% of insured trip cost up to $10,000)	Not available	Not available
Increase your benefit limit for lost or stolen baggage and add coverage for lost or stolen electronics and professional equipment. This also includes benefits for sporting equipment delay or rental if delayed by a common carrier.	Available (additional $3,000) Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000	Available (additional $4,000) Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000	Available (additional $4,250) Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000

Our plan benefits and coverage details
Ultimate	Advantage	Essential
Trip cancellation, interruption, delay, and inconvenience
Protects travel investments and recovers nonrefundable, prepaid costs if your trip is canceled for an eligible reason.
100% of trip cost ($50,000 maximum)	100% of trip cost ($10,000 maximum)	100% of trip cost ($10,000 maximum)
Protects unused, prepaid, and nonrefundable expenses and additional transportation to join the departed trip or return home if your trip is interrupted for an eligible reason.
150% of trip cost ($75,000 maximum)	$125% of trip cost ($12,500 maximum)	100% of trip cost ($10,000 maximum)
Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.
$2,000 ($250 per day maximum)	$1,000 ($250 per day maximum)	$600 ($200 per day maximum)
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
$2,000 ($500 per item limit)	$1,000 ($500 per item limit)	$750 ($500 per item limit)
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
$500	$200	$200
Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.
$750	$500	$150
Reimbursement for travel inconveniences such as a closed ski resort, golf course, or beach at your destination, or cruise disablement due to an eligible reason. Closed attractions: $200 maximum Closed beach: $200 maximum Cruise disablement: $200 maximum
$600	Not included	Not included
Emergency evacuation and repatriation
Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.
$1,000,000	$250,000	$200,000
Emergency medical expense
Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip. Residents of NH have up to $50,000 in emergency medical coverage with the Ultimate plan. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
$250,000 *$50,000 for NH residents	$50,000	$25,000
Coverage for emergency dental treatment if you’re injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
$500	$500	$500
If you meet the plan purchase requirements listed, exclusions for pre-existing conditions are waived. Exclusions do not apply to NH residents.
Included if plan is purchased within 21 days of first trip payment and full trip cost is insured	Not included	Not included
This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.
90 days Does not apply to NH residents	120 days Does not apply to NH residents	180 days Does not apply to NH residents
If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.
Included	Included	Not included (secondary coverage) Included for CT residents
Accidental death and dismemberment
Coverage if you have an eligible loss, such as your life or a limb, as a result of an eligible injury while on an insured trip. Exclusions may apply. See policy for details.
$25,000	$20,000	$10,000
Coverage if you’re exposed to weather or disappear due to an accident that results in an eligible loss.
$25,000	$20,000	$10,000
Other benefits
If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.
Included	Included	Included
We can provide coverage at no additional cost to one travel companion aged 17 years old or younger per each insured adult traveler. Each insured adult traveler on the Ultimate plan must be aged 18 years or older for the child to be eligible. The child’s individual trip cost must be equal to or lower than the insured adult’s individual trip cost for coverage to apply. If upgrades are selected and included in the policy, each traveler will be charged the applicable premium for the upgrade.
Yes	No	No
The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.
Up to 180 days	Up to 30 days	Up to 30 days
We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC). Please check the OFAC website and our travel alerts page for information on affected countries.
All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.	All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.	All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.
21 days	21 days	21 days
We provide coverage for certain sports and activities, including kayaking, horseback riding, and hiking. To include coverage for excluded activities, such as skiing or scuba diving more than 75 feet, consider adding our adventure activities upgrade.
Included, but limited to eligible activities (optional upgrade available for additional activities)	Included, but limited to eligible activities (optional upgrade available for additional activities)	Included, but limited to eligible activities (optional upgrade available for additional activities)
Optional upgrades
If you include this upgrade, you can be reimbursed up to 75% of your prepaid, nonrefundable trip costs (up to $7,500) if you need to cancel your trip. You must cancel at least two days prior to your scheduled departure date. To get cancel for any reason coverage, you must insure all your nonrefundable trip expenses in your plan, your trip cost can’t be more than $10,000, and you must purchase the upgrade 31 days or more before your departure date. You also must purchase the cancel for any reason upgrade with the Ultimate plan within 21 days of your initial payment for your trip. Subsequent arrangements must be insured within 14 days of booking those arrangements. Cancel for any fortuitous reason in NY.
Available (75% of insured trip cost up to $7,500)	Not available	Not available
If you include this upgrade in your policy, you can have coverage up to $50,000 ($100 deductible) for collision, vandalism, windstorm, theft, hail, fire, or flood damage to your rental car while on your trip. This upgrade is not available in all destinations, including Costa Rica, Ireland, Jamaica, and Mexico. Please contact our customer service team at 1-800-228-9792 to check if coverage is available for your trip.
Available ($50,000 with a $100 deductible)	Available ($50,000 with a $100 deductible)	Available ($50,000 with a $100 deductible)
If you include this upgrade in your policy, you can increase your emergency medical expense coverage limit by $250,000. Not available to NH residents.
Available (additional $250,000) Not available to NH residents	Not available	Not available
If you include this upgrade in your policy, you can have protection for the following activities that are excluded from coverage in our base plans: snow skiing, skydiving, parachuting, free falling, cliff diving, B.A.S.E. or base jumping, hang gliding, parasailing, travel on any air supported device other than a regularly scheduled airline or air charter company, mountain climbing, free climbing, scuba diving at a depth greater than 75 feet, and participating in underwater activities if the depth of the water is greater than 75 feet. This upgrade provides up to $10,000 coverage for an organized search & rescue by appropriate authorities, should you or a traveling companion become lost, disoriented, or missing during your trip. It also offers up to $100,000 coverage in case an event on your trip results in imminent physical danger to you and your traveling companions and you require additional accommodations, transportation, or extrication from your destination. This upgrade isn’t available to IL residents. Exclusions on activities listed above don’t apply to IL residents.
Available (waives exclusions on certain activities) Search and rescue: $10,000 Security evacuation: $100,000	Available (waives exclusions on certain activities) Search and rescue: $10,000 Security evacuation: $100,000	Available (waives exclusions on certain activities) Search and rescue: $10,000 Security evacuation: $100,000
If you include this upgrade in your policy, you can have coverage if you suffer from the permanent loss of life from an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip, up to the maximum eligible amount selected. This upgrade isn’t available to NH residents.
Available ($200,000, $500,000, or $1,000,000) Not available to NH residents	Available ($200,000, $500,000, or $1,000,000) Not available to NH residents	Available ($200,000, $500,000, or $1,000,000) Not available to NH residents
If you include this upgrade in your policy, you can have coverage if your trip is delayed for an eligible reason and you have extra pet boarding fees. Plus, if your pet traveling with you has a sickness or injury, you can have coverage for pet veterinarian expenses up to the maximum eligible amount. This upgrade isn’t available to NY and VA residents.
Available Pet care: $250 Pet veterinarian expense: $2,500	Available Pet care: $250 Pet veterinarian expense: $2,500	Available Pet care: $250 Pet veterinarian expense: $2,500
Reimbursement for expenses such as the cost of repairs if you cause accidental damage to your accommodations.
Available ($2,000)	Available ($2,000)	Available ($2,000)
Protect travel investments and recover nonrefundable, prepaid costs up to $10,000 per person. This applies if you need to cancel your trip due to your previously approved time off being revoked or your business being rendered unsuitable for business due to an eligible event and you’re required to work during your insured trip. To get cancel for business reasons coverage, you must purchase the upgrade 31 days or more before your departure date. You must also purchase the cancel for business reasons upgrade with the Ultimate plan within 21 days of your initial payment for your trip.
Available (100% of insured trip cost up to $10,000)	Not available	Not available
Increase your benefit limit for lost or stolen baggage and add coverage for lost or stolen electronics and professional equipment. This also includes benefits for sporting equipment delay or rental if delayed by a common carrier.
Available (additional $3,000) Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000	Available (additional $4,000) Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000	Available (additional $4,250) Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000

Our plan benefits and coverage details	Travel Med Go
Trip interruption and delay
Protects unused, prepaid, and nonrefundable expenses and additional transportation to join the departed trip or return home if your trip is interrupted for an eligible reason.	$1,000 maximum
Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.	$500 ($200 daily limit)
Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.	$300
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.	$1,000 ($500 per item limit)
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.	$500
Emergency evacuation and repatriation
Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.	$250,000
Emergency medical expense
Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip. Residents of NH have up to $50,000 in emergency medical coverage with the Ultimate plan. Residents of CT, IN, KS, MS, MT, VT, and WA have a $50 deductible.	$50,000
Coverage for emergency dental treatment if you’re injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VA, and WA have a $50 deductible.	$500
This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.	180 days Does not apply to NH residents
If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.	Included
Accidental death and dismemberment
Coverage if you have an eligible loss, such as your life or a limb, as a result of an eligible injury while on an insured trip. Exclusions may apply. See policy for details.	$10,000
Coverage if you’re exposed to weather or disappear due to an accident that results in an eligible loss.	$10,000
Other benefits
If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.	Included
The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.	Up to 60 days
We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC). Please check the OFAC website and our travel alerts page for information on affected countries.	All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.	21 days
We provide coverage for certain sports and activities, including kayaking, horseback riding, and hiking. To include coverage for excluded activities, such as skiing or scuba diving more than 75 feet, consider adding our adventure activities upgrade.	Included, but limited to eligible activities (optional upgrade available for additional activities)
Optional upgrades
If you include this upgrade in your policy, you can have coverage up to $50,000 ($100 deductible) for collision, vandalism, windstorm, theft, hail, fire, or flood damage to your rental car while on your trip. This upgrade is not available in all destinations, including Costa Rica, Ireland, Jamaica, and Mexico. Please contact our customer service team at 1-800-228-9792 to check if coverage is available for your trip.	Available ($50,000 with $100 deductible)
If you include this upgrade in your policy, you can increase your emergency medical expense coverage limit by $250,000. Not available to NH residents.	Available (additional $250,000 for emergency medical expense only) Not available to NH residents
If you include this upgrade in your policy, you can have protection for the following activities that are excluded from coverage in our base plans: snow skiing, skydiving, parachuting, free falling, cliff diving, B.A.S.E. or base jumping, hang gliding, parasailing, travel on any air supported device other than a regularly scheduled airline or air charter company, mountain climbing, free climbing, scuba diving at a depth greater than 75 feet, and participating in underwater activities if the depth of the water is greater than 75 feet. This upgrade provides up to $10,000 coverage for an organized search & rescue by appropriate authorities, should you or a traveling companion become lost, disoriented, or missing during your trip. It also offers up to $100,000 coverage in case an event on your trip results in imminent physical danger to you and your traveling companions and you require additional accommodations, transportation, or extrication from your destination. This upgrade isn’t available to IL residents. Exclusions on activities listed above don’t apply to IL residents.	Available (provides coverage for certain additional activities not included in the base plan) Search and rescue: $10,000 Security evacuation: $100,000
If you include this upgrade in your policy, you can have coverage if you suffer from the permanent loss of life from an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip, up to the maximum eligible amount selected. This upgrade isn’t available to NH residents.	Available Limit options: $200,000, $500,000, or $1,000,000) Not available to NH residents
If you include this upgrade in your policy, you can have coverage if your trip is delayed for an eligible reason and you have extra pet boarding fees. Plus, if your pet traveling with you has a sickness or injury, you can have coverage for pet veterinarian expenses up to the maximum eligible amount. This upgrade isn’t available to NY and VA residents.	Available Pet care: $250 Pet veterinarian expense: $2,500
Reimbursement for expenses such as the cost of repairs if you cause accidental damage to your accommodations.	Available ($2,000)
Increase your benefit limit for lost or stolen baggage and add coverage for lost or stolen electronics and professional equipment. This also includes benefits for sporting equipment delay or rental if delayed by a common carrier.	Available (additional $4,000) Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000

Our plan benefits and coverage details
Trip interruption and delay
Protects unused, prepaid, and nonrefundable expenses and additional transportation to join the departed trip or return home if your trip is interrupted for an eligible reason.
$1,000 maximum
Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.
$500 ($200 daily limit)
Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.
$300
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
$1,000 ($500 per item limit)
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
$500
Emergency evacuation and repatriation
Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.
$250,000
Emergency medical expense
Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip. Residents of NH have up to $50,000 in emergency medical coverage with the Ultimate plan. Residents of CT, IN, KS, MS, MT, VT, and WA have a $50 deductible.
$50,000
Coverage for emergency dental treatment if you’re injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VA, and WA have a $50 deductible.
$500
This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.
180 days Does not apply to NH residents
If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.
Included
Accidental death and dismemberment
Coverage if you have an eligible loss, such as your life or a limb, as a result of an eligible injury while on an insured trip. Exclusions may apply. See policy for details.
$10,000
Coverage if you’re exposed to weather or disappear due to an accident that results in an eligible loss.
$10,000
Other benefits
If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.
Included
The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.
Up to 60 days
We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC). Please check the OFAC website and our travel alerts page for information on affected countries.
All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.
21 days
We provide coverage for certain sports and activities, including kayaking, horseback riding, and hiking. To include coverage for excluded activities, such as skiing or scuba diving more than 75 feet, consider adding our adventure activities upgrade.
Included, but limited to eligible activities (optional upgrade available for additional activities)
Optional upgrades
If you include this upgrade in your policy, you can have coverage up to $50,000 ($100 deductible) for collision, vandalism, windstorm, theft, hail, fire, or flood damage to your rental car while on your trip. This upgrade is not available in all destinations, including Costa Rica, Ireland, Jamaica, and Mexico. Please contact our customer service team at 1-800-228-9792 to check if coverage is available for your trip.
Available ($50,000 with $100 deductible)
If you include this upgrade in your policy, you can increase your emergency medical expense coverage limit by $250,000. Not available to NH residents.
Available (additional $250,000 for emergency medical expense only) Not available to NH residents
If you include this upgrade in your policy, you can have protection for the following activities that are excluded from coverage in our base plans: snow skiing, skydiving, parachuting, free falling, cliff diving, B.A.S.E. or base jumping, hang gliding, parasailing, travel on any air supported device other than a regularly scheduled airline or air charter company, mountain climbing, free climbing, scuba diving at a depth greater than 75 feet, and participating in underwater activities if the depth of the water is greater than 75 feet. This upgrade provides up to $10,000 coverage for an organized search & rescue by appropriate authorities, should you or a traveling companion become lost, disoriented, or missing during your trip. It also offers up to $100,000 coverage in case an event on your trip results in imminent physical danger to you and your traveling companions and you require additional accommodations, transportation, or extrication from your destination. This upgrade isn’t available to IL residents. Exclusions on activities listed above don’t apply to IL residents.
Available (provides coverage for certain additional activities not included in the base plan) Search and rescue: $10,000 Security evacuation: $100,000
If you include this upgrade in your policy, you can have coverage if you suffer from the permanent loss of life from an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip, up to the maximum eligible amount selected. This upgrade isn’t available to NH residents.
Available Limit options: $200,000, $500,000, or $1,000,000) Not available to NH residents
If you include this upgrade in your policy, you can have coverage if your trip is delayed for an eligible reason and you have extra pet boarding fees. Plus, if your pet traveling with you has a sickness or injury, you can have coverage for pet veterinarian expenses up to the maximum eligible amount. This upgrade isn’t available to NY and VA residents.
Available Pet care: $250 Pet veterinarian expense: $2,500
Reimbursement for expenses such as the cost of repairs if you cause accidental damage to your accommodations.
Available ($2,000)
Increase your benefit limit for lost or stolen baggage and add coverage for lost or stolen electronics and professional equipment. This also includes benefits for sporting equipment delay or rental if delayed by a common carrier.
Available (additional $4,000) Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000

Our plan benefits and coverage details	Flight Insure Plus	Flight Insure
Accidental death
Benefit for loss of life as a result of an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip.	Up to $1 million	Up to $1 million
Medical and dental
Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip and emergency dental treatment if you're injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.	$10,000	Not included
Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.	$100,000	Not included
This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.	180 days Does not apply to NH residents	Not applicable
If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.	Included	Included
Travel inconvenience
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.	$1,000 ($250 per item limit)	Not included
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.	$500	Not included
Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.	$50	Not included
Other benefits
If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.	Included	Included
The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.	Up to 180 days	Up to 180 days
We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC). Please check the OFAC website and our travel alerts page for information on affected countries.	All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.	All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.	21 days	21 days

Our plan benefits and coverage details
Accidental death
Benefit for loss of life as a result of an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip.
Up to $1 million	Up to $1 million
Medical and dental
Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip and emergency dental treatment if you're injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
$10,000	Not included
Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.
$100,000	Not included
This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.
180 days Does not apply to NH residents	Not applicable
If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.
Included	Included
Travel inconvenience
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
$1,000 ($250 per item limit)	Not included
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
$500	Not included
Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.
$50	Not included
Other benefits
If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.
Included	Included
The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.
Up to 180 days	Up to 180 days
We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC). Please check the OFAC website and our travel alerts page for information on affected countries.
All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.	All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.
21 days	21 days

Important:

^* This coverage only applies to emergency medical expenses that first arise during your trip. You’ll have a $50 deductible if your primary residence is in Connecticut, Indiana, Kansas, Missouri, Montana, Vermont, or Washington. Residents of New Hampshire are eligible for up to $50,000 emergency medical and dental coverage with the Ultimate plan.

^† This coverage limit applies to the baggage and personal effects benefit, which provides coverage for lost, stolen, or damaged baggage. There are separate limits for the baggage delay benefit.

^{^} This coverage only applies to one travel companion aged 17 years old or younger per each insured adult traveler. Each insured adult traveler on the Ultimate plan must be aged 18 years or older for the child to be eligible. The child’s individual trip cost must be equal to or lower than the insured adult’s individual trip cost for coverage to apply. Coverage applies to the base plan benefits only. If upgrades are selected and included in the policy, each traveler will be charged the applicable premium for the upgrade.

^# It's the plan most of our customers have bought in the last [insert period].

Why vacation with ourinternational travel insurance?

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6 plan options available

Plus, up to nine upgrades to choose from. We’ve got something for every trip.

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24/7 support

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Our various benefits and upgrades can help you match your policy to your international vacation plans.

Unpack our benefits

Looking for international travel insurance benefits that help you explore with extra confidence? From emergency medical expenses to trip cancellation, check out our travel insurance benefits.

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Discover our upgrades

Want to protect your trip — your way — with extra coverage? We have up to nine upgrades available to help you customize your policy to suit your getaway.

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Keep your policy in your pocket — and more. Travel safer with our app’s tap-to-call 24/7 assistance, destination information, and real-time safety alerts.

Tips and trip ideasfor international vacations

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Want to know more about international travel insurance?

Let’s unpack your questions – and our coverage — so you can travel abroad with confidence.

International travel is any trip that takes you to a destination outside the United States. This could mean traveling to the Bahamas via cruise ship, taking a flight overseas to Europe, or even crossing over the border to Mexico.

International trips may not always be long visits — our country’s location means we can have both short and long vacations abroad. So, whether you plan to go to Canada for a long weekend or Italy for a month, our Travelex team can have your back.

Traveling outside the United States is common and easy for many Americans. But remember, travel mishaps can happen — especially in another country with a different culture and language.

From minor setbacks to major emergencies, we can help if you have unplanned costs. Between flight tickets, hotel fees, and tour bookings, the cost of an international trip can quickly add up. Thankfully, our international travel insurance coverage can provide protection against costly incidents including:

Trip cancellation, interruption, and delay
Lost, stolen, damaged, or delayed baggage and personal belongings
Emergency medical expenses
Emergency evacuation
Accidental death and dismemberment

With our Travelex team’s support and coverage for your trip abroad, you can travel internationally with extra confidence.

We recommend buying one of our Travelex plans as soon as you book any part of your international trip. When you do, you can make the most of your trip cancellation coverage if you need to cancel your trip for a covered reason.

If you buy our Ultimate plan soon after you start paying for your vacation, you’ll also qualify for extra benefits. For example, when you buy the Ultimate plan within 21 days of your first trip payment (and insure your full trip cost), you’ll be eligible for coverage for your pre-existing medical conditions. This means you can travel with less worry knowing we can help if your existing conditions act up while you’re away.

Interested in international travel insurance for seniors or last-minute travel insurance? Check out our Travel Med Go plan. You can buy it up to the day of departure before your trip starts.

Do you need travel insurance for international flights more than other forms of coverage? Check out our flight travel insurance plans.

Want to learn more about our international travel insurance plans? Read the policy wording on our plan options page when you complete a quote.

With our international travel insurance, we can reimburse you for certain unexpected mishaps that happen before and during your vacation.

Here are some coverage types our plans offer:

Trip cancellation

Prefer booking your vacation plans months in advance? If something changes and you need to call off your trip, our travel insurance for international trips can reimburse you for your prepaid nonrefundable trip costs if you can’t go on your trip for a covered reason (like illness or injury).

Want more freedom when it comes to trip cancellation? Check out our cancel for any reason upgrade, which you can add to our Ultimate plan.

24/7 travel assistance

If you have a problem abroad, our expert team is here for you anytime. We can help with things like coordinating your medical care, medical evacuations, prescription assistance, and translation services.

We can also help if you need an emergency cash transfer, travel document replacement, and more.

While your policy can’t prevent things from going wrong, our 24/7 travel assistance can make navigating these situations much smoother.

To get help, call us or tap the assistance button in our Travel On app.

Emergency medical expenses

Medical care can be costly in other countries, and your U.S. health insurance likely won’t cover you overseas. If you get sick or hurt on vacation and need medical or dental care, we may reimburse your costs. Without our coverage, you’ll have to pay your costly medical bills out of your own pocket.

Trip interruption

If you’re delayed reaching your destination or need to leave your trip unexpectedly because of a sudden illness, injury, or another covered reason, we can pay you back for certain expenses and lost insured trip costs.

Looking for the best international travel insurance for your trip abroad? Our Ultimate plan offers our most comprehensive protection for your overseas vacation. It can give you our highest benefit limits for emergency medical and dental expenses, lost or stolen belongings, delayed or canceled flights, and more.

Plus, our Ultimate plan is customizable, with up to nine optional upgrades available. This means it’s easy to tailor your policy to suit your overseas itinerary.

Here are the upgrades you can include with your Ultimate plan:

Traveling internationally with your children in tow? You’ll love our Ultimate plan’s kids-included pricing. We’ll cover one child aged 17 or younger per each insured adult traveler, as long as the child’s trip cost is equal to or less than the adult’s. If you include our upgrades, your child will be charged the premium for each upgrade.

It’s easy to find out your travel insurance policy cost — just click the orange button on our site to get a quick quote. Or you can visit our homepage and enter your destination to start your quote. Then, you’ll see the plan options that may work well for your international trip and pick the best international travel insurance plan for your trip.

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Ready to get travel insurance for your international getaway?

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Explore our travel insurance for international vacations